# ENVISTA
Topeka, KS · NCUA charter 65282 · asset band $500M-1B · latest filing 2022-12 · stopped filing after 2022-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/envista-65282

Who the members are: state charter, organized 1957. 45,080 members of 1,500,000 potential (3.0% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 67.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $530.7M |
| Members | 45,080 (-1.6% YoY) |
| Full-time staff | 148 |
| Net worth | $58.7M |
| Net worth ratio | 11.1% (p69 of band) |
| ROA (annualized) | 0.92% (p67 of band) |
| Total delinquency | 0.35% (p36 of band) |
| Net charge-offs (annualized) | 0.24% (p64 of band) |
| Loans / shares | 92% (p74 of band) |
| Cash / assets | 1.9% |
| Borrowings / assets | 1.71% |
| Net interest margin | 3.09% (p73 of band) |
| Operating expense / assets | 4.50% (p95 of band) |
| Vehicles % of loans | 59% (p89 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 64% |
| Third-party paper % of net worth | 278% (p78 of band) |
| Vehicle delinquency | 0.55% (p54 of band) |
| Vehicle NCO | 0.25% (p47 of band) |
| Repossessed % of vehicle book | 0.18% (p88 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 43% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 19% |
| Average share balance | $5,428 |
| Participations bought / yr | $0 |
| Participations sold / yr | $6.0M |
| Participations outstanding | – |
| Loans outstanding per 100 members | 67% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $14,279 |
| Loans granted, annualized | $231.3M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  | leaning on borrowings |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | auto monoline |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | auto monoline |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | auto monoline |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | loans>95% of shares |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 1 |  | net worth falling, margin squeeze |
| 2020-12 | 3 | delinquency rising, members leaving |  |
| 2021-03 | 3 | net worth falling, margin squeeze | delinquency rising, members leaving |
| 2021-06 | 2 | expense trap | net worth falling, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | repo signal |  |
| 2022-03 | 2 |  | repo signal |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-21 [Envista Federal Credit Union Spends May Honoring Heroes and Advocates Across the Hutchinson Community - Ad Astra Radio](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQQWY1eGhCSG9veFkyVzlGSzV3elAxTVZTUlJoX0c0eTJkS0pLZ2RsU29WZ3dlU1V0bEQzRVVzbmhRbE1icjVhbjNzZk1QZnJHamdHc0wtUXo4eUQ4WExESG41Q2JKRFlTbE5XMGhVbE5wWEttUVBtS0VKTldqUEhqR0JJMExCZGZfQjdyc0lOZy1LUm5SN0w2ZmNLaWZRR0V0NERJNUJBcGxsYTIzVEJXbVZXOW9uYTk3OTZ4V1NNVE9RNGdwZXAweTQ5OVlBVVZydXpNV1JFdE9iVC1n?oc=5) · Ad Astra Radio
- 2025-11-20 [Kansas credit unions launch campaign to ‘Fight the Fraud’ - WIBW](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPdEMtSEFpRXhGXzd4Y1ZEazlKajZqMDE1RnZZX0JsRXlxLXJfN3BmRGI1a0ZwT28zRWRLTTByck1iVDF1bDQycDFRZm5DREhBbVpVUnVYZ3U5UWhIWFU5cERrdUVWM2ludVZ3OFllZTVuZjc2a0J6aElRTk5mY1RRaG42Qlo2TjVM0gGcAUFVX3lxTE9tQm5QblBwU1Awa1c3NWFSdmNJSDhWS2FGbFBYYkxsRnVpR2VVRkdMVFlidWViRVNBamdGRXZqUlRQNVM1ZUE4N0hueFhEZDNEbktNcmt6OThMWFFvZTRiWjRFd2VGZGtXMk1wQVVERkhFbHI4blRseS0tWVJJTm5xZmJyZEJmbWV2Z1B4NDQ4YU55SEprUEFhQXJNRw?oc=5) · WIBW
- 2025-09-19 [BREAKING: Court Records Show Envista Credit Union Chairman Daniel Ramsey Arrested on Sexual Battery Charge - This is Topeka](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPQUxJdFhRSTR0VzMwSHgweGR3bGliR3BkaUxMWnI2aFVVVTNuQjAyN1lNZFVhU29mazVtcUtKT1lOT29ia2IwR2tkR3UyNTViQjM3RnNDYlJiZ2hBZ0tuNXM0Yk1GUWRkMHdaZ19xUFd2LUk5bFd6cTFNeEl6dmdDQ19JTHhCd1pUWmhLYlQwOEJNOEk1R0FPQnEyemVkN19FMG42RHFlQ3NCMUhScUVraGxvbHp4Z1lfNXNUNHc3NndyUnQyVlJDZ2UtS09HYmtfWVYyNTBB?oc=5) · This is Topeka
- 2018-08-04 [Envista wants business owners to succeed - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMirgFBVV95cUxPRHl2Y3laX3NMZUZBVnYwZTJuSGhBYTN0TnBKV2JuLTJta2NJWWRGNU1fZHN4dTZsRHdZR2E1OEJfdHV1YnZ5TmItdXVDTzl4RVhBTGNwUkh3TVRlQWNMemgweG9xQlVoRFEwa3kwM1BPbk9vMjNaeWg2OV9WTDNxQXlsYXRqeFNXWlcxMHEyZklya0RwaEl5SmI2ei1STWNxS2k2TFZMQjdmVlhoNWc?oc=5) · The Topeka Capital-Journal
- 2024-09-12 [Cole Garrett Brackemyer Obituary Jan 3, 2024 - Dove Cremations & Funerals](https://news.google.com/rss/articles/CBMiY0FVX3lxTE01Vjh3M0E5aTNLNFZqWXc4bXdEVzRRd2M3X3BNUm1ia05sWHBJNEpaNDV3UV9URVlVREVYWktKUV9FOWEzbGRUY2RPdW9aS0VhbEtxdjk5VXFEZG5LMjBXVU1QRQ?oc=5) · Dove Cremations & Funerals
- 2018-07-29 [Timothy J. "Tim" Burghart - View Obituary & Service Information - Kevin Brennan Family Funeral Home](https://news.google.com/rss/articles/CBMif0FVX3lxTFBOdWcxY3o5QnBmZWJIaV9hRXg1RVctVWhDdWt5R3VYbFZVblVMRlhLZVJ1MjNtTEIxMmN1eDZNZUlWUWV0Z1FRa3phanQ4NmxHSldxQk5SaWdyUjFwTVp1RkVKZkhFUmVZU3QtVzk0d2p6YVl3YW5sRFNjRWtkQ1k?oc=5) · Kevin Brennan Family Funeral Home
- 2025-10-11 [It's Your Business has Andrew Lindeman, Leah Kemble, Yaman Alali, Sara Stepp - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMixgFBVV95cUxQdUVtbktRaHItczZKOE1kczVDOWhjNE5yT2tpeHNrdGZ2MEwyRE92ZkhYZ1NFR1hIYXZDbExXaGpvcXdGamFxRG90SkNKeGY5UGJxZUxSVmR5OFVseG1Fc2FTTGJYMDQ2YnFhY0JKaWVXaEd5aHp3QXNKMEFxUUxIbGd2ZEF3a0R3Vi03bmE5ekNjbVlDSXBfQzhIOGM0OXc3WFJBdExKYmhmQUloQzBaNXBDZnJYcXcwVzF5OGRITmg1eXRLbFE?oc=5) · The Topeka Capital-Journal
- 2021-10-25 [Robert Munoz Obituary (2013) - Topeka, KS - Topeka Capital-Journal - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQa1dVOFd1cWMtdzlxNzkxZENtMGVUamZDTmY4Yll1aFNKWU9QQnlSNXNabTVlblBpMWJiZ2lsZGtZUXlkVDRIcWFVT1dERzJOcHM5TTU4U1lCSVdWZThfNU9RdUVXOW82dmxHTTVjb0taNVhhc0dpRDdGYlN2N1dDYWNhQW1MYllNOVFmRw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65282 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/2.json (key "65282", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=65282
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide